Credit card information theft is rising beyond the control
of a normal consumer. People are losing their homes, paying high amounts of
debts that do not belong to them, and are building a strong skepticism towards
anyone that may attempt to collect their information. Although the skepticism
is healthy in managing your financial information, you have to realize that you
must interact with the financial world in order to survive.
You can, on the other hand, pay attention to the rise of
identity theft and credit card fraud crimes to avoid it from happening to you
personally. The panic, stress, and continued fights between credit card
companies and consumers is frustrating; take a closer look into the problems
arising from credit card fraud crime.
Consumer Worries
Many people are concerned about their credit card
information when making online purchases or paying for dinner in a restaurant.
Although the credit card information theft continue to harm merchants,
consumers worry more about trusting the simplest stranger. A simple reality
check that criminals are interested in your finances is evident -- a consumer
experiences identity theft every 10 minutes in the United States.
In order to make sure you are not experiencing this,
consider these questions when reviewing accounts:
- 1. Did you make these purchases?
- 2. Are you the sole user of the accounts?
- 3. Can your credit card company or collection agency validate the debt?
If you cannot answer these questions, you have experienced identitytheft and fraud. Proving this to your credit card company may not be a hassle,
but you still need to prepare yourself for a process in finding the truth.
Identity Theft
Reports
Identity theft reports must be filed with your local law
enforcement agency. By reporting this information to a local agency, you can
begin the process of reclaiming your identity and catching the predator who is
violating your rights. After filing a report with law enforcement, file a
complaint with the Federal Trade Commission (FTC) online. Keep documentation
from all of these reports to forward to a lawyer and your creditors for
processing.
| Read More about credit card identity theft protection |
Know Your Rights
Pay close attention to how and when you use your credit
cards. The legal system can defend you by holding your credit card companies responsible
for the protection offered through their organizations. Until now, you may have
not reviewed the details of your Terms of Use Agreement; each credit card
company must have a program in place to defend consumers who experience credit
card fraud crime. By reviewing your TUA, you may qualify for a specific review
of your account activities and reimbursement for payments you’ve made during
the investigation.
Get a Trusted Defense
Legal assistance is the best decision when you’re dealing
with fraud. In many cases, consumers were unaware of the accounts and have to
find a way to work through the mess alone. With an experienced legal team on
your side, you can face your worst fears about identity theft without stressing
over results. Legal-Yogi.com is a trusted network of professional lawyers and
legal strategists who can assist in credit card fraud and identity theft. With
over 260,000 members within our network, we can definitely match you with a
professional who will review your case.
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